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orsa Bank Accounts
Accounts Built for Michiganders
And More!
If rates go up, yours can too. TWICE!
Why wait to get the best rate? Score a minimum 4.25% APY* for just under a year, and if rates increase, you can bump yours up to 2 times!
HELOC Promotional Rates
Don't put your dreams on hold.
Borrow up to 100% of your home's value and take on whatever expenses come your way with a fee-free HELOC at orsa. From regular maintenance to all-out remodels, we got you.
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orsaWatch™: Subscription Manager Saves Members $55 a Month in Unwanted Subscriptions
Spot monthly subscriptions. Collect them all in one place. And even cancel what you don’t want right from digital banking. No extra apps. No extra subscriptions. All free for orsa credit union members!
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Dreaming Wild: Introducing the Orsa Hub!
We’ve partnered with Plymouth-Canton Community Schools to ignite accessible STEM and financial education at Plymouth-Canton Educational Park (P-CEP) for years to come!
Keep more for what matters — in five minutes or less.
Ignite your Impossible Dreams. Open an account to become a member today.
*This promotion is subject to credit approval and underwriting guidelines. Refinancing loans must originate from sources other than orsa credit union. Promotional period runs October 1, 2026, through December 31, 2026. Applications must be received by 11:59 PM eastern on December 31, 2026. Upon loan funding, orsa credit union will deposit an amount equal to the member's first monthly payment—not to exceed $500—into the member's Basic Savings account within seven business days. The promotional deposit constitutes taxable income and will be reported on IRS Form 1099-INT. Members are responsible for reporting this income on applicable tax returns. This promotion cannot be combined with other offers that modify loan terms. There is no limit to the number of qualifying refinances per member during the promotional period. Each loan must meet all Credit Union underwriting requirements. orsa credit union reserves the right to modify, suspend, or terminate this promotion at any time without notice. All loan terms will be disclosed in accordance with Truth in Lending Act requirements. Membership eligibility required. Federally insured by NCUA.
***Insurance: You may be required to maintain insurance on the property securing this line of credit.
Maximum APR: The maximum Annual Percentage Rate (APR) that could apply to this account is 25%.
Fees and charges: Fees associated with this account may range from $0.00 to $3,000.You may be required to pay certain fees to third parties to open the plan. These fees generally total between $50.00 and $300.00. There are specialty loan programs that have fees that range between $1,500.00 and $3,000.00. If you request, we will provide you with an itemization of the fees you will have to pay to cover third party expenses.Existing Borrowers:
Existing HELOC borrowers must enroll in the promotion and meet all eligibility requirements. To qualify for the promotional rate, you must obtain qualifying HELOC advances totaling at least $10,000 during a single business day on or before December 31, 2026. Advances made on different business days cannot be combined to meet the qualification requirement. The promotional rate applies only to qualifying new advances and does not apply to existing HELOC balances. The promotional rate will remain in effect until through April 15, 2027, after which any remaining promotional balance will automatically convert to the standard variable APR applicable to your HELOC. Additional terms, conditions, and exclusions apply. See Promotional Advance Addendum for complete details.New HELOCS:
Promotional Rate available on qualifying new HELOCs. To qualify, advances totaling at least $10,000 must be requested and funded on a single business day on or before December 31, 2026. The promotional rate applies only to qualifying advances funded on the day the qualification threshold is met and remains in effect through April 15, 2027. Thereafter, any remaining promotional balance will accrue interest at the standard variable APR applicable under the HELOC Agreement. Additional terms, conditions, and exclusions apply. See Promotional Advance Addendum for complete details.†APY is Annual Percentage Yield (APY). Early withdrawal penalties and other fees may reduce earnings. Rates are subject to change at any time. orsa credit union membership is required. For more information see orsacu.org/disclosures.‡Annual Percentage Yield (APY) accurate as of September 16, 2026. $10,000 minimum deposit required to open account and to earn stated APY. Offer applies to new money only — funds not on deposit at orsa within the 30 days prior to account opening. Available at orsa branches and through our Care Center. A penalty of 180 days' dividends may be imposed for early withdrawal. Rate is subject to change without notice. Fees may reduce earnings. Federally insured by NCUA.
Maximum APR: The maximum Annual Percentage Rate (APR) that could apply to this account is 25%.
Fees and charges: Fees associated with this account may range from $0.00 to $3,000.You may be required to pay certain fees to third parties to open the plan. These fees generally total between $50.00 and $300.00. There are specialty loan programs that have fees that range between $1,500.00 and $3,000.00. If you request, we will provide you with an itemization of the fees you will have to pay to cover third party expenses.Existing Borrowers:
Existing HELOC borrowers must enroll in the promotion and meet all eligibility requirements. To qualify for the promotional rate, you must obtain qualifying HELOC advances totaling at least $10,000 during a single business day on or before December 31, 2026. Advances made on different business days cannot be combined to meet the qualification requirement. The promotional rate applies only to qualifying new advances and does not apply to existing HELOC balances. The promotional rate will remain in effect until through April 15, 2027, after which any remaining promotional balance will automatically convert to the standard variable APR applicable to your HELOC. Additional terms, conditions, and exclusions apply. See Promotional Advance Addendum for complete details.New HELOCS:
Promotional Rate available on qualifying new HELOCs. To qualify, advances totaling at least $10,000 must be requested and funded on a single business day on or before December 31, 2026. The promotional rate applies only to qualifying advances funded on the day the qualification threshold is met and remains in effect through April 15, 2027. Thereafter, any remaining promotional balance will accrue interest at the standard variable APR applicable under the HELOC Agreement. Additional terms, conditions, and exclusions apply. See Promotional Advance Addendum for complete details.†APY is Annual Percentage Yield (APY). Early withdrawal penalties and other fees may reduce earnings. Rates are subject to change at any time. orsa credit union membership is required. For more information see orsacu.org/disclosures.‡Annual Percentage Yield (APY) accurate as of September 16, 2026. $10,000 minimum deposit required to open account and to earn stated APY. Offer applies to new money only — funds not on deposit at orsa within the 30 days prior to account opening. Available at orsa branches and through our Care Center. A penalty of 180 days' dividends may be imposed for early withdrawal. Rate is subject to change without notice. Fees may reduce earnings. Federally insured by NCUA.